USCB Financial Holdings, Inc. reports developments for its bank holding company and wholly owned subsidiary, U.S. Century Bank. The company serves South Florida as its primary banking market and offers relationship-based deposit, lending and e-banking services, including commercial and consumer checking, money market and savings accounts, small business loans, commercial real estate loans and business credit cards.
News for USCB commonly centers on quarterly operating results, net interest income, margin performance, credit quality, regulatory capital ratios and cash dividends on Class A common stock. Company updates also cover balance sheet actions such as securities portfolio restructuring and the redeployment of assets into lending categories tied to the bank's commercial banking model.
USCB Financial Holdings (NASDAQ: USCB) will report first quarter 2026 results for the quarter ended March 31, 2026 after market close on Thursday, April 23, 2026.
A live conference call and audio webcast with CEO Luis de la Aguilera, CFO Robert Anderson, and Chief Credit Officer William Turner will be held Friday, April 24, 2026 at 11:00am ET. Dial-in and webcast details are provided for investors.
USCB Financial Holdings (NASDAQ: USCB) reported net income of $1.4M or $0.07 fully diluted EPS for Q4 2025, versus $6.9M/$0.34 in Q4 2024. Results included an after-tax loss of $5.6M (impact of $0.31 per share) from a portfolio restructuring and a $0.06 per-share tax liability charge. Excluding these items, operating diluted EPS was $0.44. Total assets were $2.8B, loans held for investment were $2.2B (+11.0% YoY), deposits were $2.3B, and tangible book value per share rose to $11.97 (+10.8% YoY). The Board declared a quarterly cash dividend of $0.125 per share.
USCB Financial Holdings (NASDAQ: USCB) announced a 25.0% increase in its regular quarterly cash dividend to $0.125 per share (an increase of $0.025 from $0.10).
The dividend is payable on March 5, 2026 to shareholders of record at the close of business on February 17, 2026. Future dividend payments remain subject to quarterly review and approval by the Board of Directors.
USCB Financial Holdings (NASDAQ: USCB) will report results for the quarter ended December 31, 2025 after market close on January 22, 2026. A live conference call and audio webcast with Chairman/CEO Luis de la Aguilera, CFO Robert Anderson, and Chief Credit Officer William Turner is scheduled for January 23, 2026 at 11:00 AM ET.
Dial-in details: toll-free (833) 816-1416 with passcode USCB Financial Holdings Call. A replay and slides will be archived on the company investor relations site at https://investors.uscenturybank.com/.
USCB Financial Holdings (NASDAQ: USCB) sold $44.6 million of available-for-sale securities on Dec 5, 2025 as part of a portfolio restructuring to redeploy proceeds into higher-yielding loans, primarily commercial real estate.
The sold AFS represented ~12.6% of the AFS portfolio and had a weighted average yield of 1.70%. The company expects a one-time after-tax loss of ~$5.6 million recorded in Q4 2025, with anticipated net interest margin expansion of ~7 basis points beginning Q1 2026 and estimated EPS accretion of $0.08 over the next four quarters assuming a 6.15% reinvestment yield. Management says regulatory capital remains well above "well-capitalized" levels.
USCB Financial Holdings (NASDAQ: USCB) reported net income of $8.9M and record fully diluted EPS of $0.45 for Q3 2025, up from $0.35 a year earlier. Annualized ROAA was 1.27% and ROAE was 15.74%. Net interest income before provision was $21.3M, +17.5% year-over-year.
Total assets rose to $2.8B (+10.5%), loans to $2.1B (+10.3%), and deposits to $2.5B (+15.5%). The company issued $40.0M subordinated notes on August 14, 2025 and used most proceeds to repurchase ~2.0M shares (~$34.4M). Board declared a $0.10 quarterly dividend payable Dec 5, 2025. Risk-based capital ratios remain strong (Company 14.20%, Bank 13.93%).
USCB Financial Holdings (NASDAQ: USCB) announced a regular quarterly cash dividend of $0.10 per share on Class A common stock. The dividend is payable on December 5, 2025 to shareholders of record as of the close of business on November 14, 2025. Future dividend payments are subject to quarterly review and approval by the Board of Directors.
USCB Financial Holdings (NASDAQ: USCB) will report results for the quarter ended September 30, 2025 after market close on Thursday, October 23, 2025.
A live conference call with Chairman/CEO Luis de la Aguilera, CFO Robert Anderson, and Chief Credit Officer William Turner will be held on Friday, October 24, 2025 at 11:00 AM Eastern Time. Dial-in: (833) 816-1416 (U.S. toll free); Passcode: USCB Financial Holdings Call.
A live audio webcast, press release, and slides will be available on the company investor relations site at https://investors.uscenturybank.com/. A replay will be archived on the same page shortly after the call.
USCB Financial Holdings (NASDAQ: USCB) reported outstanding Q2 2025 results with net income of $8.1 million, or $0.40 per diluted share, up from $6.2 million or $0.31 per share in Q2 2024. The bank achieved significant improvements in key metrics, including a net interest margin of 3.28% and an efficiency ratio of 51.77%.
The company demonstrated robust growth with total assets reaching $2.7 billion, a 10.6% increase year-over-year. Total loans grew 13.1% to $2.1 billion, while deposits increased 13.6% to $2.3 billion. Asset quality remained strong with non-performing loans at just 0.06% of total loans.
The Board declared a quarterly cash dividend of $0.10 per share, payable on September 5, 2025. The company maintains strong capital ratios, with total risk-based capital at 13.73%, well above regulatory requirements.
USCB Financial Holdings (NASDAQ: USCB), the parent company of U.S. Century Bank, has announced a quarterly cash dividend of $0.10 per share on its Class A common stock. The dividend will be paid on September 5, 2025, to shareholders of record as of August 15, 2025.
The company notes that future dividend payments will be subject to quarterly review and approval by the Board of Directors.